Stock Analysis Report

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Executive Summary

FNCB Bancorp, Inc. operates as the holding company for FNCB Bank that provides retail and commercial banking services to individuals, businesses, local governments, and municipalities in Northeastern Pennsylvania.

Snowflake Analysis

Flawless balance sheet and fair value.

Similar Companies

Share Price & News

How has FNCB Bancorp's share price performed over time and what events caused price changes?

Latest Share Price and Events

Stable Share Price: FNCB has not had significant price volatility in the past 3 months.

Market Performance

7 Day Return




US Banks


US Market

1 Year Return




US Banks


US Market

Return vs Industry: FNCB matched the US Banks industry which returned -13.5% over the past year.

Return vs Market: FNCB underperformed the US Market which returned 20.1% over the past year.

Shareholder returns

7 Day0.6%3.1%0.5%
30 Day8.3%5.7%4.9%
90 Day12.7%20.1%19.8%
1 Year-10.2%-12.8%-12.2%-15.2%21.2%18.7%
3 Year-11.3%-17.5%-7.2%-14.8%46.2%36.8%
5 Year33.3%22.2%20.9%6.0%85.3%65.1%

Price Volatility Vs. Market

How volatile is FNCB Bancorp's share price compared to the market and industry in the last 5 years?

Simply Wall St News


Is FNCB Bancorp undervalued compared to its fair value and its price relative to the market?


Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: FNCB ($6.36) is trading below our estimate of fair value ($9.35)

Significantly Below Fair Value: FNCB is trading below fair value by more than 20%.

Price To Earnings Ratio

PE vs Industry: FNCB is poor value based on its PE Ratio (10.7x) compared to the US Banks industry average (10.1x).

PE vs Market: FNCB is good value based on its PE Ratio (10.7x) compared to the US market (19.2x).

Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate FNCB's PEG Ratio to determine if it is good value.

Price to Book Ratio

PB vs Industry: FNCB's PB Ratio (0.9x) is in line with the US Banks industry average.

Next Steps

Future Growth

How is FNCB Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?


Forecasted Banks industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as FNCB Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.

Next Steps

Past Performance

How has FNCB Bancorp performed over the past 5 years?


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: FNCB has high quality earnings.

Growing Profit Margin: FNCB's current net profit margins (27.7%) are lower than last year (34.4%).

Past Earnings Growth Analysis

Earnings Trend: FNCB's earnings have declined by 19.6% per year over the past 5 years.

Accelerating Growth: FNCB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: FNCB had negative earnings growth (-15.1%) over the past year, making it difficult to compare to the Banks industry average (-2.8%).

Return on Equity

High ROE: FNCB's Return on Equity (8.2%) is considered low.

Next Steps

Financial Health

How is FNCB Bancorp's financial position? (This company is analysed differently as a bank or financial institution)

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: FNCB's Assets to Equity ratio (9.8x) is low.

Allowance for Bad Loans: FNCB has a sufficient allowance for bad loans (164%).

Low Risk Liabilities: 92% of FNCB's liabilities are made up of primarily low risk sources of funding.

Loan Level: FNCB has an appropriate level of Loans to Assets ratio (66%).

Low Risk Deposits: FNCB's Loans to Deposits ratio (80%) is appropriate.

Level of Bad Loans: FNCB has an appropriate level of bad loans (0.7%).

Next Steps


What is FNCB Bancorp current dividend yield, its reliability and sustainability?


Current Dividend Yield

Upcoming Dividend Payment

Dividend Yield vs Market

Notable Dividend: FNCB's dividend (3.46%) is higher than the bottom 25% of dividend payers in the US market (1.59%).

High Dividend: FNCB's dividend (3.46%) is low compared to the top 25% of dividend payers in the US market (4.29%).

Stability and Growth of Payments

Stable Dividend: FNCB's dividend payments have been volatile in the past 10 years.

Growing Dividend: FNCB's dividend payments have increased over the past 10 years.

Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (35.4%), FNCB's dividend payments are well covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.

Next Steps


How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Jerry Champi (59 yo)





Mr. Gerard A. Champi, also known as Jerry, was elected to the Board of Directors of FNCB Bancorp, Inc. (“Company”) and FNCB Bank on July 01, 2016. Mr. Champi serves as President and Chief Executive Officer ...

CEO Compensation Analysis

Compensation vs Market: Jerry's total compensation ($USD656.87K) is about average for companies of similar size in the US market ($USD582.88K).

Compensation vs Earnings: Jerry's compensation has been consistent with company performance over the past year.

Leadership Team

Gerard Champi
$ 563.7k
James Bone
Executive VP7.92yrsUS$388.09k0.23%
$ 300.8k
Joseph Coccia
Secretary & Director22.58yrsUS$46.25k1.01%
$ 1.3m
Brian Mahlstedt
Executive VP & Chief Lending Officer of First National Community Bank6.92yrsUS$341.88k0.21%
$ 265.5k
Joseph Boretski
Senior VP & Chief Business Development Officerno datano data0.012%
$ 15.7k
Angelo Bistocchi
Vice President of First National Community Bank42.58yrsno datano data
Joseph Earyes
1st SVPno dataUS$151.98kno data
Lisa Kinney
Senior VP & Retail Lending Officer of First National Community Bank14.67yrsUS$176.97k0.048%
$ 61.3k
Mary Gardner
Senior VP & Compliance Officer of First National Community Bank7.33yrsno data0.074%
$ 94.6k
Midge MacArthur
Vice President and Regional Managerno datano datano data
Walter Rosiecki
Vice President and Relationship Managerno datano datano data
Mary Cummings
Executive VP & General Counsel of First National Community Bank7.83yrsUS$212.31k0.13%
$ 161.9k


Average Tenure


Average Age

Experienced Management: FNCB's management team is seasoned and experienced (7.6 years average tenure).

Board Members

Gerard Champi
$ 563.7k
Joseph Coccia
Secretary & Director22.58yrsUS$46.25k1.01%
$ 1.3m
Louis DeNaples
Independent Chairman of the Board1.25yrsUS$46.00k9.22%
$ 11.8m
John Moses
Independent Director21.58yrsUS$59.31k0.51%
$ 658.3k
Keith Eckel
Independent Director5.92yrsUS$47.50k0.064%
$ 82.5k
Vithalbhai Dhaduk
Independent Director2.92yrsUS$46.00k0.58%
$ 741.1k
Louis DeNaples
Independent Vice Chairman of the Board6.67yrsUS$45.00k1.32%
$ 1.7m
Thomas Melone
Independent Director9.25yrsUS$48.50k0.044%
$ 56.4k
William Bracey
Independent Director6.25yrsUS$46.25k0.68%
$ 874.8k
Kathleen Lambert
Independent Director2.92yrsUS$47.25k0.050%
$ 63.5k
Joseph DeNaples
Independent Director2.92yrsUS$45.00k1.53%
$ 2.0m
Kate Daye
Member of Advisory Boardno datano datano data


Average Tenure


Average Age

Experienced Board: FNCB's board of directors are considered experienced (5.9 years average tenure).


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: FNCB insiders have only sold shares in the past 3 months.

Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

FNCB Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources

Key Information

  • Name: FNCB Bancorp, Inc.
  • Ticker: FNCB
  • Exchange: NasdaqCM
  • Founded: 1910
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$128.325m
  • Shares outstanding: 20.21m
  • Website:

Number of Employees


  • FNCB Bancorp, Inc.
  • 102 East Drinker Street
  • Dunmore
  • Pennsylvania
  • 18512
  • United States


TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
FNCBNasdaqCM (Nasdaq Capital Market)YesCommon StockUSUSDSep 1996


FNCB Bancorp, Inc. operates as the holding company for FNCB Bank that provides retail and commercial banking services to individuals, businesses, local governments, and municipalities in Northeastern Penns ...

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/14 00:03
End of Day Share Price2020/08/13 00:00
Annual Earnings2019/12/31

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.